PRIVACY POLICY

Koperasi PPNI Kab Mojokerto Mobile Application

Last Updated: [Insert Today's Date or Publication Date, e.g., October 26, 2025]

Koperasi PPNI Kab Mojokerto ("We" or "the Cooperative") is fully committed to protecting the privacy of all members and users ("You") of our mobile application ("the Application"). This Privacy Policy explains how We collect, use, disclose, and secure your personal information when you use our Application.

By downloading, accessing, and using the Application, you agree to the collection and use of information in accordance with this Privacy Policy.

1. Types of Personal Data We Collect

We collect information necessary to provide efficient and secure cooperative services.

A. Information You Provide Directly

This data is collected when you register, transact, or interact directly with the Application:

Data Category	Data Collected	General Purpose
Identity Data	Full Name, National Identity Number (NIK), Place and Date of Birth, Gender.	Membership verification and legal compliance.
Contact Data	Address, Phone Number, Email Address.	Communication, transaction notifications, and delivery of Cooperative information.
Financial Data	Bank Account Number, Savings History, Loan History, and Cooperative Transaction Data.	Processing and recording of Cooperative services and transactions.

B. Information Collected Automatically During Use

This data is automatically collected to improve the Application's functionality and security:

Device Information: IP Address, Device Type, Model, Operating System and Version, Unique Device Identifier (Device ID).
Log/Activity Data: Access Time and Date, Features used, Application Performance Analytics Data, Crash Reports (via services like Google Firebase/Analytics).

2. How We Use Your Information

We use your personal data for the following purposes:

To Provide Cooperative Services: To manage your membership, process loan requests, savings, and other transactions.
Security and Authentication: To verify your identity upon login, maintain account security, and prevent fraudulent activity.
Service Improvement and Maintenance: To analyze usage patterns, identify bugs, and develop new Application features.
Communication: To send important account-related notifications, service updates, and Cooperative information.
Legal Compliance: To comply with applicable laws and regulations in the Republic of Indonesia, including reporting obligations and the Personal Data Protection Law (UU PDP).

3. Disclosure and Sharing of Information

We will not sell or rent your personal information. We may only share your data with third parties under the following conditions:

Service Providers: To third-party partners (e.g., cloud hosting) who are bound by confidentiality agreements to help Us operate the Application.
Legal Obligation: If required by law, court order, or a legitimate official request from authorized government or law enforcement agencies.
Your Consent: With your explicit consent.

4. Data Security

We implement reasonable technical and organizational security measures to protect your personal data. However, no internet transmission system is 100% secure. **You are responsible** for maintaining the confidentiality of your password and PIN.

5. Your Rights as a Data Subject

In accordance with the Personal Data Protection Law (UU PDP), you have certain rights over your personal data, including:

Right to Access: To request access to and copies of the personal data We hold.
Right to Rectification: To request correction of your inaccurate personal data.
Right to Erasure: To request the deletion of your personal data, considering legal limitations.

6. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page and/or communicated through the Application. Your continued use of the Application after receiving notification of any updates constitutes your acceptance of the revised Privacy Policy.

7. Contact Us

If you have any questions, comments, or concerns regarding this Privacy Policy, please contact Us at:

Koperasi PPNI Kab Mojokerto
Address: [Insert Koperasi PPNI Kab Mojokerto Office Address]
Email: [Insert Official Koperasi Email Address]
Phone: [Insert Koperasi Phone Number]